Kathy Foran - REALTY EXECUTIVES Boston West



Posted by Kathy Foran on 9/2/2012

Saving money can be hard. It often seems like a daunting task but often it is the little things that make a big difference. Here are five tips to get saving more money now. 1. Pay off your debt. If you have debt try to consolidate it and pay off debt as soon as possible. A strategy to do this would be to consolidate debt to a lower interest rate if possible. Interest on debt can cost you thousands of dollars every year. 2. Pay your bills on time. When you don't pay your bills on time you acquire late fees. The best way to do this is to get organized about your regular bills. If possible, automate your regular payments. 3. Know your bank balance. If you don't keep track of your check book you will probably accrue over draft fees. Be aware of the balance in your bank account and avoid overdraft fees. 4. Avoid ATM fees. ATM fees can really add up. Try to use only those ATM machines where your bank will not charge the fees, or withdraw directly at your bank. 5. Manage your credit. Credit card fees are often hidden costs you don't account for. Look for credit cards with cash back bonuses and reward points. Avoid credit cards with annual fees.




Tags: Save Money  
Categories: Money Saving Tips  


Posted by Kathy Foran on 8/5/2012

Kitchens sell houses. So having a great looking kitchen is important if you are thinking of putting your home on the market or maybe you just need a fresh new look. Cabinets are one of the biggest expenses in a kitchen remodel but with a little elbow grease and creativity, you can update your kitchen cabinets without going through the hassle of an entire remodel. Here are some tips on how to make your kitchen look like new with a cabinet facelift. Give the a Good Cleaning You will be surprised what a good scrubbing can do. Heat, water, grease and food residue all take a serious toll on your cabinets.

  • If you choose to remove the doors, label or number them so you'll put them back in the right place.
  • Make sure to test any kind of cleaner before using it on the entire cabinet. Cleaners with large amounts of alcohol may cause the wood to dry and crack.
  • Clean and Update the Hardware Hardware gets greasy and grimy so make sure to clean those too.
  • Soak the hardware in a soapy-water solution for 30 minutes.
  • Scrub lightly with a soft brush and rinse.
  • Let dry and apply the proper polish.
  • You may decide instead to replace the hardware. In choosing the finish for your hardware, think about what style will look best in your home. Add Some Detail Add some detail to drab cabinets with moulding. Applying a contrasting finish or color is a quick and inexpensive way to change the look of your cabinets. Stripping and Refinishing If after cleaning your cabinets still need some help, you may decide to refinish or paint them
  • Make sure to remove all the cabinet doors and number them.
  • Liquid strippers work best, but be sure to use the gel or semi-paste types.
  • Place doors on a vertical surface. The finish won't drip as much.
  • Let the stripping agent do the work and start with an inconspicuous area.
  • Patch any conspicuous holes, scratches and nicks with wood filler. When dry, sand lightly to smooth out the patch. Before painting, sand lightly and prime.
  • Before painting remember that the wood expands and contracts with the seasons, which will cause the paint bead to separate and expose unpainted wood. So with a little hard work you can have a whole new look to your kitchen in no time.





  • Posted by Kathy Foran on 5/27/2012

    No matter how sturdy a home is, sooner or later maintenance will be required. When this happens, you will have the choice to do some of this maintenance work yourself, or you could opt to utilize a home repair service to do it for you. This largely depends on how much experience you have in repairing things in your home. For example, hanging a picture on the wall does not take too much knowledge and expertise, as all you would need is a good drill and a little bit of know-how. On the other hand, if you need some major plumbing repairs, then you are better off finding a reputable plumber to do the job for you. When it comes to painting, it really does depend on whether you have some experience and know-how, and how much you enjoy doing it. For some people, painting can be extremely therapeutic. They will gladly paint every room in their home without any fuss. For others, painting a wall can seem like an extremely messy job, and in most cases, it will be a job badly done. In a situation like this, you are better off using a professional painter. One of the best ways to find a good quality home repair service is by going on the internet, as this allows you to quickly find a specialized repair service within your area with just a few clicks of your mouse. In addition, you are also able to do a little research on the repair service beforehand. If you would like a local referral I keep a list of professionals. Please call or email me for more information.





    Posted by Kathy Foran on 5/6/2012

    Has that monthly cable bill got you down? That bill can really add up so if you are looking to cut down on the monthly expenses follow these ideas from Money Magazine. Cable TV's $50-plus monthly cost may be unavoidable for sports fans and news junkies -- but if you just want a good selection of TV and movies, try a combo of these online services. Netflix Who it's for: The movie buff Typical fare: "True Grit," "The African Queen," "Downton Abbey" Thumbs up: Get instant access to newish movies, sturdy classics, and past seasons of TV series. Thumbs down: New movies may not be available as quickly as on DVD. Many titles in Netflix's DVD library, which costs extra to use, aren't offered at all. $8/month (streaming video only); netflix.com Hulu Plus Who it's for: The TV junkie Typical fare: "The Daily Show," 37 years of "Saturday Night Live," "Smiles of a Summer Night" Thumbs up: Catch the full current season of popular network and cable shows, along with archives of past episodes and a smattering of art-house flicks. Thumbs down: Just as with free TV, periodic advertisements may interrupt your show. $8/month; hulu.com Amazon Who it's for: The impatient grazer Typical fare: "Mrs. Doubtfire," "Glee" (Season 2), "Moneyball" ($4) Thumbs up: Enjoy a little-known perk for paying $80 a year for Amazon Prime two-day shipping: Have instant access to shows and movies at no extra cost. Separately, get new films on pay-per-view. Thumbs down: Selection is smaller than Netflix's. $80/year (Prime), $2-$4 (PPV); amazon.com The Hardware Made Easy The simplest way to enjoy these services, once you've signed up, is to sit at your computer and stare. But you can do better. To watch on a tablet: Just download the relevant app and sign up. Netflix and Hulu Plus work on iPads and Android tablets, while Amazon is built into a Kindle Fire. To watch on your TV: Connect your PC by wire to your set. Buy a Roku settop box (starts at $50), which lets you send video wirelessly over a home network to your set. Or use a networked Blu-ray or videogame player, which probably has the necessary software built in. Smart Shopping Connect on the cheap: When you're making a PC-to-TV connection, don't get roped into spending more than you need to. Ask The Help Desk To get a video signal from most new computers (and other video gadgets) to most new TVs, you'll need what's known as an HDMI cable. You can spend anywhere from $25 to $100 for a brand-name beauty -- or get the same quality link from a generic HDMI that costs $5 on Amazon.com.




    Tags: Save Money   money   cable bill  
    Categories: Money Saving Tips  


    Posted by Kathy Foran on 2/5/2012

    The temperature is dropping and the heating bills are going up. Some quick and easy tips will have you saving money this winter on home heating bills. 1. Set your thermostat back. For every degree you set your thermostat back over eight hours, you’ll save about 1 percent on your heating bill each year. 2. Use a space heater. If you spend most of your time in one area of your home it is less expensive to use a space heater than turn up the heat in your entire home. 3. Open blinds during the day to let sun in. At dusk, close them to trap heat. 4. Inspect weather stripping around exterior doors. Replace old, cracked, or missing stripping. 5. If heat is escaping at your doors, attach a sweep to the bottom of the doors. Sweeps are flexible plastic strips that are easily screwed to door bottoms, and keep cold air out from below. 6. Fill gaps around windows with interior and exterior caulking. If cold air is coming in around the sashes, install appropriate weather stripping.